How Much Does Insurance Cost for a Toyota Camry in South Carolina?

When writing about auto insurance, the word “cheap” should never appear anywhere to describe car insurance rates. The fact is, cheap auto insurance for a Toyota Camry is not easy to find. But don’t let us ruin your dream, because we are going to tell you how you can get car insurance that works with your budget.

The chances of finding cheap insurance for a Toyota Camry in South Carolina hinges on an enormous amount of factors like if you are married or single, if you are currently insured, and if your driving record shows any at-fault accidents. Drivers in South Carolina pay around $690 every 12 months to buy Toyota Camry insurance, but that amount is a projection using cost data for a 50-year-old married male driver who purchased full coverage including both comprehensive and collision and $1,000 deductibles.

Chances are that rate is not what you would pay, because most likely you are not 50 and possibly not even male, possibly single instead of married, or maybe you prefer liability limits higher than required by South Carolina state law. Having the smallest difference in input factors can cause big changes in the price of a policy.

Every policy is rated specifically for the driver, so the only real way to find the most affordable coverage for your Toyota is to do a thorough rate comparison.

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Vehicle trim level will likely have an effect on the insurance rate, so the price you pay to insure a Camry LE will be $114 less than the cost to insure the higher-end Camry Hybrid model, as shown in the chart below.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in garaging location in South Carolina which can affect coverage rates substantially.

Finding good, budget car insurance is not most people’s favorite thing to do, and finding out which companies have the lowest-priced car insurance rates for a Toyota Camry takes more quotes for comparison. Every insurance company uses different criteria for filing rates in each state, so let’s begin by taking a look at the car insurance companies with the overall cheapest rates in South Carolina.

It’s important to understand that South Carolina car insurance rates are impacted by many factors which can substantially change the price you pay for coverage. Simply getting older, becoming a homeowner, or getting a ticket for running a stop sign can trigger price changes that can now make some companies cheaper in comparison to the competition.

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google.charts.setOnLoadCallback(drawSCT5qcibChart);function drawSCT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘The Hartford’, 768, ‘#FF9333’], [‘USAA’, 985, ‘#D47A2A’], [‘State Auto’, 1094, ‘#B06523’], [‘Auto-Owners’, 1119, ‘#92541D’], [‘SC Farm Bureau Mutual’, 1260, ‘#794618’]]);var options = {title: ‘Top Five Low-Cost Car Insurance Companies in South Carolina’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1360,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

The Hartford normally has some of the best car insurance rates in South Carolina at around $768 annually. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual would also be considered some of the most economical South Carolina insurance companies.

In this example, if you are currently insured with State Auto and switched to The Hartford, you could realize yearly savings of in the neighborhood of $326. Drivers with Auto-Owners may save as much as $351 a year, and SC Farm Bureau Mutual customers might reduce rates by $492 a year.

It’s important to note that these policy prices are averages across all types of insureds and vehicles and are not factoring in a specific rating modification for a Toyota Camry. So the company that can offer the best rates for your situation may not even be included in the rate chart shown above. That’s why you need to compare rates from multiple companies using your own personal information and vehicle type.

The chart below highlights how deductible choice can change premium costs when searching for cheap insurance for a Toyota Camry. The information is based on a single female driver, full physical damage coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3485,3183,2855,2545],[‘Age 30’, 2411,2191,1947,1713],[‘Age 40’, 2231,2035,1811,1603],[‘Age 50’, 1949,1779,1585,1399],[‘Age 60’, 1885,1719,1533,1357],[‘Age 70’, 2201,2009,1801,1603]]);var options = {title: ‘Impact of Higher Deductibles on Toyota Camry Insurance Rates in South Carolina’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Camry’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 40-year-old driver could pocket $364 a year by changing from a $100 deductible to a $500 deductible, or save $550 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 category, could lower their rates $940 annually just by choosing larger deductibles.

When increasing deductibles, it’s a good idea to have emergency funds available to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Types of discounts on South Carolina insurance

Auto insurance companies that offer cheap insurance for a Toyota Camry in South Carolina may also offer premium discounts that could potentially reduce rates by as much as 25% or more if you qualify for them. A list of companies and a selection of discounts are outlined below.

The example below shows the comparison of premium costs with and without discounts being applied to the rates. The premiums assume a female driver, no accidents, no driving violations, South Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, safe-driver, homeowner, passive restraint, vehicle safety, and marriage discounts applied. When drivers qualify for the discounts, the the average yearly reduction on car insurance for a Toyota Camry is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2977,2141],[‘Age 30’, 2055,1489],[‘Age 40’, 1909,1383],[‘Age 50’, 1669,1211],[‘Age 60’, 1613,1169],[‘Age 70’, 1881,1361]]);var options = {title: ‘Insurance Rate Comparison for a Toyota Camry’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Camry’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Is Allstate, Geico, State Farm, or Progressive cheaper?

If you want reliable insurance for a Camry in South Carolina, some of the largest companies to start with are Allstate, Geico, State Farm, and Progressive. Between them, they insure nearly half of all vehicles in the U.S.. The following table breaks down some of the different features shoppers can expect to find with each one.